How Can I Make My Harris County, TX Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in Harris County, TX covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.

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Select the Suitable Coverage Value for your Harris County, TX Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $60,500 $50,000 $50,000-$75,000
2 Bedroom $93,500 $90,000 $75,000-$100,000
3 Bedroom $203,500 $180,000 $175,000-$200,000
4 Bedroom $266,000 $230,000 $200,000-$250,000
5 Bedroom $132,000 $110,000 $100,000-$125,000

Estimate your Savings with Home Insurance Discounts in Harris County, TX | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$250 $1,140
Superior Protection Discount -$125 $1,266
Fire & Security Discount -$97 $1,293
Hail Resistant Roof Discount -$42 $1,349
Newly Constructed Home Discount -$348 $1,043

Choose the Right Deductible for your Harris County, TX Home | Back to Top

Low Deductible ($500) High Deductible ($2500)
Place Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Harris County $1,000 $1,374 $2,374 $999 $1,999 $376
Harris County, TX $700 $1,374 $2,074 $999 $1,699 $376
Stafford, TX $400 $942 $1,342 $685 $1,085 $258
Deer Park, TX $1,500 $1,508 $3,008 $1,096 $2,596 $412
Roman Forest, TX $300 $1,787 $2,087 $1,299 $1,599 $488
Stagecoach, TX $700 $2,060 $2,760 $1,497 $2,197 $563
Taylor Lake Village, TX $300 $1,882 $2,182 $1,368 $1,668 $514
Panorama Village, TX $700 $1,754 $2,454 $1,274 $1,974 $479
Fairchilds, TX $200 $1,712 $1,912 $1,244 $1,444 $468
Santa Fe, TX $1,000 $977 $1,977 $710 $1,710 $267
Kenefick, TX $500 $1,445 $1,945 $1,050 $1,550 $395
Dayton Lakes, TX $1,500 $1,039 $2,539 $755 $2,255 $284

Identify Top Home Insurance Agents near Harris County, TX | Back to Top

Home Insurance Company Harris County, TX Homeowners Insurance Agency Harris County, TX Address Popularity Score Distance from Harris County (miles)
State Farm Marcus Acosta 2750 Strawberry Rd, Pasadena, TX, 77502-5111
17.6
State Farm Ellaina Madera 8804 Jensen Dr, Houston, TX, 77093-7640
3.3
State Farm Noel Lezama 9039 Katy Fwy Ste 240, Houston, TX, 77024-1622
8.7
Allstate Michael Daniels 1337 W 43rd St Ste C, Houston, TX, 77018
3.1
Farmers Jonda Marshall 2002 Fry Rd Ste 111, Houston, TX, 77084
20.0
Liberty Mutual Independent Zuber Insurance Agency Inc 4635 Southwest Fwy Ste 700, Houston, TX, 77027
9.5
Travelers Metro Allied Insurance Agency Texas Llc 2900 Weslayan St Ste 668, Houston, TX, 77027
8.7
Travelers Cravens Warren & Company 10011 W Gulf Bank, Houston, TX, 77040
9.3
Travelers Insurepointe Of Texas Inc 2909 Hillcroft #600, Houston, TX, 77057
10.7
State Farm Bill Bingham 7500 San Felipe St Ste 600, Houston, TX, 77063-1790
9.8

Compare Rates for Harris County, TX Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Texas $151,500 $1,709 $1,130 $2,630 $1,500
Harris County, TX $154,100 $1,391 $920 $2,140 $1,220
Harris County, TX $154,100 $1,391 $920 $2,140 $1,220
Stafford, TX $165,700 $954 $630 $1,470 $840
Deer Park, TX $147,000 $1,526 $1,010 $2,350 $1,340
Roman Forest, TX $189,300 $1,809 $1,190 $2,790 $1,600
Stagecoach, TX $302,200 $2,085 $1,380 $3,210 $1,830
Taylor Lake Village, TX $231,900 $1,905 $1,260 $2,930 $1,670
Panorama Village, TX $175,400 $1,775 $1,170 $2,730 $1,560
Fairchilds, TX $159,700 $1,733 $1,140 $2,670 $1,530
Santa Fe, TX $159,800 $988 $650 $1,520 $870
Kenefick, TX $88,300 $1,463 $970 $2,250 $1,280
Dayton Lakes, TX $25,300 $1,052 $690 $1,620 $930

9 Ways to Get Discounts on Homeowners Insurance in Harris County, TX

What Makes Your Harris County, TX Home Insurance Cheap or Expensive